Saralya is composable. Run the full stack as your LOS + LMS, or plug a single module into your existing core. Every module ships with API-first design, RBAC, full audit trail, and pre-mapped RBI returns.
Pricing: ₹50–100 per loan processed. Slabbed by volume. No upfront. No exit penalty.
Configurable BRE for SME, MSME, LAP, MFI JLG and unsecured retail. Bureau pulls (CIBIL, Experian, CRIF), AA framework integration across all 9 ReBIT FI types, GSTN, MCA21, CERSAI — native.
Real-time application + transaction fraud signals. SBI vs. Rajesh Agarwal compliant 21-day SCN workflow built in. Network analysis across applicant clusters.
Post-disbursement deterioration index. SMA-0 tagging at day 1, not SMA-1 at day 31. Fed by AA, GST velocity, bureau activity on other lenders, and behavioural data.
Bucket-strategy (not bucket-allocation) collections. RPC-first dialler. DRA-trained field officer app. Built-in skip-tracing. Auto Section 138 / SARFAESI prep.
Vintage analysis, roll-rate dashboards, peer-cohort benchmarking, customer LTV, board-ready reports. Daily, weekly, quarterly — auto-generated.
600+ checks mapped to RBI MD-FRM, DLD 2025, KYC MD, DPDP, PMLA. CRILC, NBS-9, DNBS returns pre-mapped. CIMS-ready. Inspection pack assembled in 4 clicks.